Allstate Insurance Co. put its actuaries to work figuring out the likelihood drivers in America's 200 largest cities will experience a vehicle collision compared to the national average.

Three of the worst ranked cities are in Massachusetts: Springfield in 197th place, Boston in 199th and Worcester last at 200th.

Drivers in Springfield average 5.1 years between accidents, 85.8 percent higher than the national average; drivers in Boston average 4.4 years, 129.9 percent above the national rate; and Worcester drivers average 4.3 years, 134.8 percent above the national rate.

There’s no way to slice and dice this news in a way that’s comforting. However, it is a relief to know that Allstate Insurance rates won’t be affected based on the rankings.

Allstate acknowledges that older, congested cities tend to give rise to more accidents.

If knowledge is power, motorists are now armed with it. By adopting safe driving habits, there may be ways to avoid collisions.

Drivers can take action by slowing down, attending only to driving and exercising due caution in situations that warrant it.

The American Automobile Association offers driving tips on its website for such situations as driving into the sun, driving in wet and wintry weather, how to recognize and avoid drowsy driving, distracted driving, and even road rage.

The tips are practical, common-sense reminders that will help conscientious motorists develop good habits behind the wheel.

Given the Bay State’s status, it may be wise for motorists to brush up periodically before getting behind the wheel.